We accept Paypal, Moneyorder, Cashiers Check only. Cash for local pickup will also be included. Refunds: Upon return of item(s), a complete refund will then be processed unless specified on the ad. We do offer DISCOUNTS ON COMBINED ORDERS. Orders totally 200 dollars or more will received free shipping! :) ON ALL JEWELRY SALES: If the piece of jewelry is returned with the certificate in a 7 day grace..Before refund is processed the ring will need a 5 day grace to be inspected by local GIA Graduate. Watch for SALES...We consider reasonable offers, ship at your choice, however at your expense. We also gift wrap and can ship to anywhere of your choice. All buyers are responsible for all shipping costs, tracking and insurance.